Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$84,240Cash toward the purchase price.
Closing costs + prepaids$11,450Not just lender fees.
Before credits & paid funds$95,690The complete starting cash picture.
Estimated remaining funds due at closing
$95,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,239.57
Your down payment$84,239.57
Closing costs + prepaids$11,449.99
Total buyer cash needed$95,689.56
Remaining funds due$95,689.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,573.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$330.25
Initial HOA (3 months)$315.00
Prepaid interest, first (1 days)$22.94
Fees + prepaids$11,449.99
Your down payment is the seller’s equity. You take over the $314,760 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $95,689.56 is due at closing. Uses and sources reconcile at $410,449.99 each. Not a Closing Disclosure.